ENB Financial Q1 net income falls 6.8% to $4.0M; adjusted EPS $1.03

ENB Financial Corp

Net income $4.024M ($0.71 diluted) vs $4.316M ($0.76) in Q1 2025, down 6.8%.
Adjusted net income $5.890M ($1.03 diluted) excludes $1.866M of merger-related expenses.
Completed acquisition of Cecil Bancorp on Feb 1, 2026; added $147.4M loans and $186.4M deposits.
Net interest income rose 12.8% to $2.152M; provision for credit losses released $22k vs expense $486k in prior year.
Total assets $2.42B up 9.2%; ROA 0.70% and ROE 9.92% both down from 0.80% and 13.03% in Q1 2025.

item 2.02 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

ENB Financial Corp reported the first quarter of 2026 results: net income $4,024,000, EPS $0.71.

Period: the first quarter of 2026
Net income: $4,024,000
EPS: $0.71
Result: reported results

Exact text from the filing

ENB Financial Corp Reports First Quarter 2026 Results (April 24, 2026) -- Ephrata, PA – ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the first quarter of 2026 of $4,024,000 a $292,000, or a 6.8% decrease, from the $4,316,000 earned during the first quarter of 2025. Basic and diluted earnings per share for the first quarter of 2026 were $0.71 compared to $0.76 for the same period in 2025.

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Source: SEC EDGAR

accession 0001174947-26-000514

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